Philadelphia, PA · Charter 14430
NCUA · 1 branch
Q3 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.34% | -0.75% | -14.46% | -10.82% | -7.96% | -3.54% | -3.81% | -12.99% | -217 bps | |
| Return on Equity | -9.03% | -2.10% | -50.44% | -37.53% | -29.98% | -12.63% | -11.01% | -47.98% | -1,045 bps | |
| Net Interest Margin | 0.74% | 0.52% | 0.47% | 0.41% | 0.35% | 0.20% | 0.20% | 0.20% | -21 bps | |
| Efficiency Ratio | 551% | 244% | 3201% | 2750% | 2361% | 1900% | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.91% | -10.83% | -16.88% | 3.14% | 7.32% | -4.55% | -24.35% | -22.79% | -2,593 bps | |
| Loan Growth (YoY) | 208% | -53.55% | -55.23% | -69.66% | -68.74% | -74.55% | -80.04% | -81.83% | -1,217 bps | |
| Share Growth (YoY) | -17.00% | -12.13% | -15.02% | 18.12% | 15.24% | 5.78% | -29.37% | -19.67% | -3,780 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 50.08% | 68.65% | 85.85% | 130.66% | 160.20% | 270% | 430% | 719% | +58,852 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 37.02% | 35.70% | 28.67% | 28.82% | 26.55% | 28.04% | 34.60% | 27.06% | -176 bps | |
| Net Worth / Assets | 37.02% | 35.70% | 28.67% | 28.82% | 26.55% | 28.04% | 34.60% | 27.06% | -176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 9.55% | 6.61% | 4.81% | 3.26% | 2.59% | 1.59% | 1.36% | 0.74% | -252 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |